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    PennyMac Finl Svcs Inc (PFSI)

    Official site

    FINANCIAL SERVICES • MORTGAGE FINANCE • NYSE

    $61.19
    +3.44 (+5.96%)

    Market Cap: $3.00B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    67%(26/39)
    Avg Surprise
    +11.08%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.58
    Range$1.10 - $1.90
    6 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$2.61-39.4%
    60d ago$1.88-16.0%
    30d ago$1.73-8.8%
    7d ago$1.65-4.3%
    Current$1.58
    Revenue Consensus
    $556M
    Range$520M - $578M
    6 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.14
    Range$0.33 - $1.53
    6 analysts
    Revenue Consensus
    $520M
    Range$416M - $598M
    6 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.14---
    Sep 26EST
    		-$1.58---
    Jun 26
    Reported Jul 29
    		$1.39$2.08-33.17%Miss-67.5%
    Mar 26
    Reported May 5
    		$2.19$2.14+2.34%Beat-20.9%
    Dec 25
    Reported Jan 29
    		$1.96$3.23-39.32%Miss-31.9%
    Sep 25
    Reported Oct 21
    		$3.43$2.98+15.10%Beat-1.7%
    Jun 25
    Reported Jul 22
    		$4.28$3.07+39.41%Beat+60.3%
    Mar 25
    Reported Apr 22
    		$2.77$2.83-2.12%Miss+11.7%
    Dec 24
    Reported Jan 30
    		$2.88$3.02-4.64%Miss+9.5%
    Sep 24
    Reported Oct 22
    		$3.49$2.93+19.11%Beat+65.4%
    Jun 24
    Reported Jul 23
    		$2.67$2.62+1.91%Beat+64.8%
    Mar 24
    Reported Apr 24
    		$2.48$2.31+7.36%Beat+113.8%
    Dec 23
    Reported Feb 1
    		$2.63$1.77+48.59%Beat+353.4%
    Sep 23
    Reported Oct 26
    		$2.11$1.59+32.70%Beat+40.7%
    Jun 23
    Reported Jul 27
    		$1.62$1.49+8.72%Beat+5.9%
    Mar 23
    Reported Apr 27
    		$1.16$1.09+6.42%Beat-28.4%
    Dec 22
    Reported Feb 2
    		$0.58$1.11-47.75%Miss-85.3%
    Sep 22
    Reported Oct 27
    		$1.50$1.17+28.21%Beat-72.7%
    Jun 22
    Reported Aug 2
    		$1.53$0.83+84.34%Beat-66.9%
    Mar 22
    Reported May 5
    		$1.62$2.45-33.88%Miss-75.3%
    Dec 21
    Reported Feb 3
    		$3.94$3.72+5.91%Beat-34.0%
    Sep 21
    Reported Nov 4
    		$5.50$3.47+58.50%Beat-21.8%
    Jun 21
    Reported Aug 5
    		$4.62$3.31+39.58%Beat+5.2%
    Mar 21
    Reported May 6
    		$6.55$5.74+14.11%Beat+75.6%
    Dec 20
    Reported Feb 4
    		$5.97$6.02-0.83%Miss+217.6%
    Sep 20
    Reported Nov 5
    		$7.03$5.49+28.05%Beat+365.6%
    Jun 20
    Reported Aug 6
    		$4.39$2.91+50.86%Beat+377.2%
    Mar 20
    Reported May 7
    		$3.73$3.19+16.93%Beat+543.1%
    Dec 19
    Reported Feb 6
    		$1.88$1.64+14.63%Beat+261.5%
    Sep 19
    Reported Oct 31
    		$1.51$1.35+11.85%Beat+164.9%
    Jun 19
    Reported Aug 1
    		$0.92$0.76+21.05%Beat+31.4%
    Mar 19
    Reported May 2
    		$0.58$0.62-6.45%Miss-13.4%
    Dec 18
    Reported Feb 7
    		$0.52$0.55-5.45%Miss-56.3%
    Sep 18
    Reported Nov 1
    		$0.57$0.59-3.39%Miss-19.7%
    Jun 18
    Reported Aug 2
    		$0.70$0.65+7.69%Beat+59.1%
    Mar 18
    Reported May 3
    		$0.67$0.73-8.22%Miss+42.6%
    Dec 17
    Reported Feb 8
    		$1.19$0.66+80.30%Beat+19.0%
    Sep 17
    Reported Nov 2
    		$0.71$0.67+5.97%Beat-
    Jun 17
    Reported Aug 3
    		$0.44$0.65-32.31%Miss-
    Mar 17
    Reported May 4
    		$0.47$0.64-26.56%Miss-
    Dec 16
    Reported Feb 1
    		$1.00$0.79+26.58%Beat-

    Dividends

    Dividend Metrics

    Forward Yield1.96%
    Forward Annual Dividend$1.20
    Payout Ratio21.07%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+14.47%
    5Y CAGR+17.32%
    PFSI dividend history and ex-dividend datesRun PFSI in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio6.82EV/EBITDA16.62x
    Price/FCF-1.71xFCF Yield-58.32%
    Profitability
    Profit Margin11.80%Operating Margin4.48%
    ROE9.38%ROIC3.92%
    Financial Health
    Debt/Equity3.52xInterest CoverageN/A
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.45Avg Volume706.44K
    52-Week High$158.6652-Week Low$57.52

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$60.69
    SMA 20$62.71
    SMA 50$69.14
    SMA 200$88.27
    EMA 10$60.71
    EMA 20$62.76
    EMA 50$68.16
    EMA 200$84.30

    MACD

    Line: -2.88Signal: -2.96Hist: 0.08

    ADX

    ADX: 47.5+DI: 17.4-DI: 26.3

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down96.0
    PSAR$62.12

    Bollinger Bands

    Upper Band$68.12
    Lower Band$57.29
    %B Position1728%(Upper)
    Band Width0.36

    RSI (14-Day)

    Neutral
    39.5

    Momentum Oscillators

    Stoch %K21.0
    Stoch %D11.1
    Williams %R-50.7
    ROC (10d)-1.2%
    Momentum-0.76
    CCI (20d)-62.8
    MFI (14d)38.9

    Volatility Measures

    ATR (14d)$2.14(3.5%)
    StdDev (20d)2.71
    Hist Vol32.9%(Moderate)

    Volume Flow

    VWAP$60.68
    OBV-5.7M
    AD Line-100.4M
    CMF (20d)-0.073

    Volume Metrics

    Avg Vol (20d)698.6K
    Vol Ratio1.8x(High)
    VWMA (20d)$62.41

    Pivot Points

    R3$60.62
    R2$59.95
    R1$58.85
    Pivot Point$58.19
    S1$57.09
    S2$56.42
    S3$55.32

    Advanced Oscillators

    TSI-45.14
    Ultimate Osc47.5
    KST-135.26

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$496.96M$768.06M$474.01M$1.12B$444.73M$611.78M$-320,799,000$617.94M$319.97M$467.41M$501.70M$551.64M
    Cost of RevenueN/A$14.40M$113.01M$469.76M$448.14M$382.70M$9.99M$17.50M$363.43M$305.23M$316.97M$292.78M
    Gross ProfitN/A$530.59M$1.07B$413.06M$483.44M$687.05M$460.12M$394.34M$351.93M$194.78M$215.25M$264.44M
    Operating Expenses$465.44M$669.07M$921.07M$391.95M$368.29M$513.06M$-111,227,000$535.51M$256.54M$427.55M$326.27M$273.51M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$293.10M$397.40M$236.57M$76.86M$104.52M$279.27M$217.94M$133.87M$44.53M$112.85M$126.81M
    Interest Income$242.45M$208.18M$513.79M$-1,147,000$221.93M$189.87M$-400,618,000$225.47M$-7,060,000$156.43M$-472,835,000$166.55M
    Interest Expense$270.71M$0$263.00M$0$239.58M$0$228.11M$0$0$0$-310,413,000$0
    Income Before Tax$31.52M$104.69M$134.41M$236.37M$76.44M$104.20M$129.36M$93.92M$133.85M$43.88M$-54,230,000$126.80M
    Income Tax Expense$9.80M$22.37M$27.57M$54.87M$-60,021,000$27.92M$24.88M$24.56M$35.60M$4.58M$-17,388,000$33.93M
    Net Income$21.73M$76.62M$15.86M$181.50M$136.46M$70.81M$120.00M$57.88M$98.26M$35.29M$-170,810,000$244.20M
    EBITDA$59.82M$125.38M$159.54M$750.90M$105.01M$123.09M$-185,381,000$115.72M$79.73M$64.56M$199.52M$301.08M
    EBIT$31.52M$98.99M$134.41M$726.87M$76.44M$98.72M$-209,572,000$82.43M$63.43M$39.87M$175.43M$278.13M
    * Some calculated fields are derived from available data when not provided by source

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    PennyMac Financial Services stock hits 52-week low at 58.27 USD

    PennyMac Financial Services Inc. (PFSI) stock has fallen to a 52-week low of $58.27, representing a 64% drop from its 52-week high and a 1-year change of -50.63%. Despite the downturn...

    Investing.com Nigeria•10/14/26•Bearish

    PennyMac Financial Services stock hits 52-week low at 58.27 USD

    PennyMac Financial Services (PFSI) stock has fallen to a 52-week low of $58.27, trading 64% below its high despite being in oversold territory according to InvestingPro. This downturn follows disappointing Q2 2026...

    Investing.com Canada•10/14/26•Bearish

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    PennyMac Financial Services (PFSI) has implemented VantageScore 4.0, a new credit model utilizing trended data, across its mortgage channels. This change, which allows for a more refined assessment of borrower risk...

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    PFSI Valuation and Fair Value

    P/E
    6.8x
    Forward P/E
    8.9x
    EV/EBITDA
    16.6x
    P/FCF
    -1.7x
    PEG
    4.7x
    P/B
    0.7x
    See GNG's fair value

    PFSI Profitability: Margins, ROIC and FCF

    Operating margin
    4.5%
    Net margin
    11.8%
    ROIC
    3.9%
    ROE
    9.4%
    FCF margin
    -64.8%
    FCF yield
    -58.3%

    PFSI Competitors

    CompanyTicker
    Digitalbridge Group IncDBRG
    Slide Insurance Holdings, Inc. Common StockSLDE
    Hercules Capital, Inc.HTGC
    NMI Holdings IncNMIH
    Seacoast Banking Corporation of FloridaSBCF
    First Hawaiian IncFHB
    Fulton Financial CorporationFULTP
    Siriuspoint LtdSPNT

    Sector: Financial Services

    PFSI Analyst Ratings

    Consensus
    Buy
    Analysts
    8
    Strong Buy
    1
    Buy
    3
    Hold
    4
    Sell
    0
    Strong Sell
    0

    PFSI Bull Case vs Bear Case

    Bear case

    • PFSI has a debt-to-equity ratio of 3.5x.

    PFSI Earnings: Beat Rate and Next Report

    Beat rate
    4 of 8 quarters (50.0%)
    Average surprise
    -0.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.58
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 1 down

    PFSI Dividend

    Forward yield
    2.0%
    Payout ratio
    21.1%
    3Y DPS growth
    14.5%
    5Y DPS growth
    17.3%
    Pay months
    Feb, May, Aug, Nov
    PFSI dividend history

    Frequently Asked Questions About PFSI

    What is PFSI's current dividend yield?

    PennyMac Finl Svcs Inc (PFSI) has a forward dividend yield of 1.96%.

    Does PFSI pay dividends?

    Yes, PennyMac Finl Svcs Inc pays dividends with a forward dividend yield of 1.96%.

    What is PFSI's P/E ratio?

    PennyMac Finl Svcs Inc has a price-to-earnings (P/E) ratio of 6.82.

    What is PFSI's market cap?

    PennyMac Finl Svcs Inc (PFSI) has a market capitalization of $3.00B with a current stock price of $61.19.

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